- All insureds are owners; one vote per member
- Participation is required; members help the captive to grow
- Members may participate in program governance through the Board of Managers and sub-committees:
- Executive
- Underwriting
- Safety
- Finance/Investment
- Claim Management
- Service providers are directly accountable to members individually and collectively
- Members have the greatest possible control over the management and ultimate cost of their insurance program
- Restaurant industry expertise focused on member success
- Transparency of how every penny of your insurance dollar is spent
- Un-bundled claims and loss control allows members to select their service provider partners
- One of the most experienced captive management teams in the industry
- Quarterly claim reviews and consulting on cases involving severe injury, rehabilitation, early return to work, modified duty, potential fraud, and the like
